Cache optimization and interaction control based on location and historical interactions

Abstract

A system can receive, from a computing device associated with a first entity, a threshold value that indicates an entity preference relating to an interaction type. The system can intercept a pending interaction before the pending interaction is executed. The pending interaction can originate from an interaction terminal configured to facilitate transfer of an electronic resource to a second entity. The pending interaction can include an interaction value of the pending interaction. The system can generate an interaction recommendation for the first entity using a trained machine-learning model based on the pending exchange value of the pending interaction, location data associated with the pending interaction, and historical exchange values of historical interactions associated with the first entity. The system can also cancel the pending interaction or deactivate access to a network account associated with the computing device.

1 . A system, comprising:
 a processor device; and   a non-transitory computer-readable memory including instructions that are executable by the processor device to perform operations comprising:
 obtaining, from a computing device associated with a first entity, entity preference data predefined by the first entity; 
 intercepting a data packet associated with a pending interaction initiated by the first entity before the data packet associated with the pending interaction is transmitted to an authorization platform for authorization, the pending interaction originating from an interaction terminal configured to facilitate transfer of an electronic resource to a second entity, the pending interaction comprising a pending exchange value of the pending interaction; 
 determining location data associated with the pending interaction; 
 caching historical exchange values of historical interactions associated with the first entity during a predetermined period; 
 generating an interaction recommendation for the first entity using a trained machine-learning model based on the pending exchange value of the pending interaction, the location data associated with the pending interaction, and the historical exchange values of historical interactions associated with the first entity; 
 providing the interaction recommendation to the computing device via an application programming interface (API) endpoint; 
 canceling, based on the interaction recommendation, the pending interaction; 
 generating a control signal associated with access to a network account associated with the computing device; and 
 deactivating access to the network account associated with the computing device for future interactions based on the control signal. 
   
     
     
         2 . The system of  claim 1 , wherein the pending interaction further comprises an interaction type of the pending interaction, information about the first entity, and information about the second entity associated with the pending interaction, wherein the entity preference data comprises a maximum value for the interaction type, wherein the maximum value for the interaction type is determinable by the first entity, and wherein the operations further comprise:
 determining that the pending exchange value exceeds the maximum value for the interaction type; and   canceling the pending interaction in response to determining that the pending exchange value exceeds the maximum value for the interaction type.   
     
     
         3 . The system of  claim 1 , wherein the entity preference data comprises a maximum aggregate value of interactions for a predetermined period, and wherein the operations further comprise:
 receiving interaction history data for the predetermined period;   determining that the pending exchange value associated with the pending interaction and the interaction history data for the predetermined period exceeds the maximum aggregate value of interactions; and   canceling the pending interaction in response to determining that the pending exchange value associated with the pending interaction and the interaction history data for the predetermined period exceed the maximum aggregate value of interactions.   
     
     
         4 . The system of  claim 1 , wherein the operations further comprise:
 receiving, in response to providing the interaction recommendation to the computing device, an input from the computing device, the input being an updated entity preference for the pending interaction; and   controlling, based on the input from the computing device, the pending interaction substantially contemporaneously by:
 authorizing the pending interaction for execution in response to determining that the input indicates that the pending interaction should proceed, or 
 canceling the pending interaction in response to determining that the input indicates that the pending interaction should be declined. 
   
     
     
         5 . The system of  claim 1 , wherein the operations further comprise, after intercepting the pending interaction:
 receiving a first location of the computing device;   identifying a second location where the pending interaction is initiated;   determining the first location and the second location do not match;   generating an alert message using the first location and the second location to transmit to the computing device via a user interface, the alert message comprising a request for an entity input;   receiving the entity input regarding the pending interaction via the user interface; and   controlling, based on the entity input, the pending interaction by:
 authorizing the pending interaction in response to determining that the entity input indicates that the pending interaction is approved by the first entity, or 
 canceling the pending interaction and deactivating one or more objects associated with the first entity in response to determining that the entity input indicates that the pending interaction is initiated without approval by the first entity. 
   
     
     
         6 . The system of  claim 5 , wherein the second entity is a website where the pending interaction is initiated, wherein identifying the second location comprises:
 identifying an Internet Protocol (IP) address visiting the website;   translating the IP address into a physical address; and   identify the physical address as the second location where the pending interaction is initiated.   
     
     
         7 . The system of  claim 5 , wherein the pending interaction is a pending financial transaction, wherein the electronic resource is financial information of the first entity, wherein the one or more objects are one or more financial accounts associated with the first entity. 
     
     
         8 . A method, comprising:
 obtaining, from a computing device associated with a first entity, entity preference data predefined by the first entity;   intercepting a data packet associated with a pending interaction initiated by the first entity before the data packet associated with the pending interaction is transmitted to an authorization platform for authorization, the pending interaction originating from an interaction terminal configured to facilitate transfer of an electronic resource to a second entity, the pending interaction comprising a pending exchange value of the pending interaction;   determining location data associated with the pending interaction;   caching historical exchange values of historical interactions associated with the first entity during a predetermined period; and   generating an interaction recommendation for the first entity using a trained machine-learning model based on the pending exchange value of the pending interaction, the location data associated with the pending interaction, and the historical exchange values of historical interactions associated with the first entity;   providing the interaction recommendation to the computing device via an application programming interface (API) endpoint;   canceling, based on the interaction recommendation, the pending interaction;   generating a control signal associated with access to a network account associated with the computing device; and   deactivating access to the network account associated with the computing device for future interactions based on the control signal.   
     
     
         9 . The method of  claim 8 , wherein the pending interaction further comprises an interaction type of the pending interaction, information about the first entity, and information about the second entity associated with the pending interaction, wherein the entity preference data comprises a maximum value for the interaction type, wherein the maximum value for the interaction type is predetermined by the first entity, and wherein the method further comprises:
 determining that the pending exchange value exceeds the maximum value for the interaction type; and   canceling the pending interaction in response to determining that the pending exchange value exceeds the maximum value for the interaction type.   
     
     
         10 . The method of  claim 8 , wherein the entity preference data comprises a maximum aggregate value of interactions for a predetermined period, and wherein the method further comprises:
 receiving interaction history data for the predetermined period;   determining that the pending exchange value associated with the pending interaction and the interaction history data for the predetermined period exceeds the maximum aggregate value of interactions; and   canceling the pending interaction in response to determining that the pending exchange value associated with the pending interaction and the interaction history data for the predetermined period exceed the maximum aggregate value of interactions.   
     
     
         11 . The method of  claim 8 , further comprising:
 receiving, in response to providing the interaction recommendation to the computing device, an input from the computing device, the input being an updated entity preference for the pending interaction; and   controlling, based on the input from the computing device, the pending interaction substantially contemporaneously by:
 authorizing the pending interaction for execution in response to determining that the input indicates that the pending interaction should proceed, or 
 canceling the pending interaction in response to determining that the input indicates that the pending interaction should be declined. 
   
     
     
         12 . The method of  claim 8 , further comprising, after intercepting the pending interaction:
 receiving a first location of the computing device;   identifying a second location where the pending interaction is initiated;   determining the first location and the second location do not match;   generating an alert message using the first location and the second location to transmit to the computing device via a user interface, the alert message comprising a request for an entity input;   receiving the entity input regarding the pending interaction via the user interface; and   controlling, based on the entity input, the pending interaction by:
 authorizing the pending interaction in response to determining that the entity input indicates the pending interaction is authorized, or 
 canceling the pending interaction and deactivating one or more objects associated with the first entity in response to determining that the entity input indicates that the pending interaction is initiated without authorization by the first entity. 
   
     
     
         13 . The method of  claim 12 , wherein the second entity is a website where the first entity initiated the pending interaction, wherein the step of identifying the second location comprises:
 identifying an Internet Protocol (IP) address visiting the website;   translating the IP address into a physical address; and   identify the physical address as the second location where the pending interaction is initiated.   
     
     
         14 . The method of  claim 12 , wherein the pending interaction is a pending financial transaction, wherein the electronic resource is financial information of the first entity, wherein the one or more objects are one or more financial accounts associated with the first entity. 
     
     
         15 . A non-transitory computer-readable medium, comprising instructions that are executable by a processor for causing the processor to perform operations comprising:
 obtaining, from a computing device associated with a first entity, entity preference data predefined by the first entity;   intercepting a data packet associated with a pending interaction initiated by the first entity before the data packet associated with the pending interaction is transmitted to an authorization platform for authorization, the pending interaction originating from an interaction terminal configured to facilitate transfer of an electronic resource to a second entity, the pending interaction comprising a pending exchange value of the pending interaction;   determining location data associated with the pending interaction;   caching historical exchange values of historical interactions associated with the first entity during a predetermined period;   generating an interaction recommendation for the first entity using a trained machine-learning model based on the pending exchange value of the pending interaction, the location data associated with the pending interaction, and the historical exchange values of historical interactions associated with the first entity;   providing the interaction recommendation to the computing device via an application programming interface (API) endpoint;   canceling, based on the interaction recommendation, the pending interaction;   generating a control signal associated with access to a network account associated with the computing device; and   deactivating access to the network account associated with the computing device for future interactions based on the control signal.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the pending interaction further comprises an interaction type of the pending interaction, information about the first entity, and information about the second entity associated with the pending interaction, wherein the entity preference data comprises a maximum value for the interaction type, wherein the maximum value for the interaction type is determinable by the first entity, and wherein the operations further comprise:
 determining that the pending exchange value exceeds the maximum value for the interaction type; and   canceling the pending interaction in response to determining that the pending exchange value exceeds the maximum value for the interaction type.   
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , wherein the entity preference data comprises a maximum aggregate value of interactions for a predetermined period, and wherein the operations further comprise:
 receiving interaction history data for the predetermined period;   determining that the pending exchange value associated with the pending interaction and the interaction history data for the predetermined period exceeds the maximum aggregate value of interactions; and   canceling the pending interaction in response to determining that the pending exchange value associated with the pending interaction and the interaction history data for the predetermined period exceed the maximum aggregate value of interactions.   
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the operations further comprise:
 receiving, in response to providing the interaction recommendation to the computing device, an input from the computing device, the input being an updated entity preference for the pending interaction; and   controlling, based on the input from the computing device, the pending interaction substantially contemporaneously by:
 authorizing the pending interaction for execution in response to determining that the input indicates that the pending interaction should proceed, or 
 canceling the pending interaction in response to determining that the input indicates that the pending interaction should be declined. 
   
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , wherein the operations further comprise, after intercepting the pending interaction:
 receiving a first location of the computing device;   identifying a second location where the pending interaction is initiated;   determining the first location and the second location do not match;   generating an alert message using the first location and the second location to transmit to the computing device via a user interface, the alert message comprising a request for an entity input;   transmitting the alert message to the computing device via a user interface;   receiving the entity input regarding the pending interaction via the user interface; and   controlling, based on the entity input, the pending interaction by:
 authorizing the pending interaction in response to determining that the entity input indicates the pending interaction is authorized, or 
 canceling the pending interaction and deactivating one or more objects associated with the first entity in response to determining that the entity input indicates that the pending interaction is initiated without authorization by the first entity. 
   
     
     
         20 . The non-transitory computer-readable medium of  claim 19 , wherein the pending interaction is a pending financial transaction, wherein the electronic resource is financial information of the first entity, wherein the one or more objects are one or more financial accounts associated with the first entity, wherein the second entity is a website where the first entity initiated the pending interaction, wherein identifying the second location comprises:
 identifying an Internet Protocol (IP) address visiting the website;   translating the IP address into a physical address; and   
       identifying the physical address as the second location where the pending interaction is initiated.